Our Loan Programs:

1. Conventional Loans:

- Traditional mortgage loans offered by banks and other lenders.

- Typically require a down payment of at least 3% to 20%.

- Offer various terms and fixed or adjustable interest rates.

- Can be used for purchasing or refinancing primary residences, second homes, or investment properties.

2. FHA Loans:

- Government-backed loans insured by the Federal Housing Administration (FHA).

- Often suitable for first-time homebuyers with lower credit scores or limited funds.

- Require a minimum down payment of 3.5% and offer flexible qualification criteria.

- Can be used for purchasing or refinancing primary residences.

3. VA Loans:

- Mortgage loans specifically designed for eligible veterans, active-duty service members, and surviving spouses.

- Offered by private lenders and guaranteed by the Department of Veterans Affairs (VA).

- Typically require no down payment and have more lenient credit requirements.

- Can be used for purchasing or refinancing primary residences.

4. USDA Loans:

- Loans provided by the U.S. Department of Agriculture (USDA) to promote rural home ownership.

- Geared towards low-to-moderate-income borrowers in eligible rural areas.

- Require no down payment and offer competitive interest rates.

- Can be used for purchasing or refinancing primary residences.

5. Jumbo Loans:

- Financing options for larger loan amounts that exceed the conforming loan limits set by Fannie Mae and Freddie Mac.

- Enable borrowers to purchase high-end properties or refinance existing ones.

- May require larger down payments and stricter qualification criteria due to their size.

Please note that loan program availability, terms, and eligibility criteria may vary. We recommend reaching out to our knowledgeable loan officers for personalized guidance based on your specific needs and circumstances.